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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,575 | $72,071-89.5% | $68,368-88.9% | $137,256-94.5% |
| Participation rate | 71.4% | 76.2%-4.8pp | 73.8%-2.3pp | 80.0%-8.5pp |
| Annual return | 15.73% | 353.14%-337.4pp | 292.57%-276.8pp | 220.34%-204.6pp |
| Employer contribution / active EE | $1,783 | $2,788-36.1% | $2,649-32.7% | $4,156-57.1% |
| Participant deferral / active EE | $2,041 | $4,410-53.7% | $4,123-50.5% | $6,407-68.1% |
| Admin fee / account holder | $5,403 | $5,336+1.3% | $5,150+4.9% | $12,270-56.0% |